【作者】 王凯；

【导师】 费一文；

【作者基本信息】 上海交通大学 ， 工商管理（EMBA）（专业学位）， 2015， 硕士

【摘要】 P2P网络借贷平台是Peer To Peer Lending的英文缩写,是将互联网与传统借贷有机结合在一起的一种创新性金融服务类平台。所谓P2P网络借贷,是在借贷的交易过程中,通过网络来完成资料的认证、进行谈判交易、资金的流转以及契约生成等。平台则提供借贷相关数据支持和一系列金融信息服务。网络借贷作为一种新型的民间借贷方式,它的兴起与发展使得民间金融更加透明和多元,社会资金的资源配置更加合理,改变了我国居民原有的投资渠道,在弥补传统金融不足的同时也推动了我国金融体系的完善。但同时我们也必须认识到,网络借贷在我国尚属于发展阶段,平台数量大幅增长,融资规模快速扩张,但潜在风险亦不容忽视。笔者阐述了P2P网贷平台在我国发展中的模式异化,重点探讨了纯平台模式运营中的风险管控。在行业自律与监管中,在监管原则的基础上对应该重点细化的问题给予了关注。更多还原

【Abstract】 P2P network lending platform is Peer To Peer Lending abbreviation, which is a financial services platform with a combination of Internet and loans. It is so-called net lending that authentication data, trade negotiations, cash flow and generating the contract through the network to complete in the lending process and Platform provides relevant data and a range of information services. As a new way of private lending, the rise and development of P2 P network lending makes the private finance more transparent and pluralistic and makes the social capital more reasonable, it also has changed the Chinese residents original investment channels. The rise and development of P2 P network lendingmade up for disadvantages of traditional finance and at the same time it contributed to the improvement of our financial system. we must realize P2 P network lending in China is still at the development stage with substantial growth in the number of platforms and the rapid expansion of the scale of financing,but the potential risks should not be ignored. The author describes the model alienation of the P2 P network lending platform in our country and the paper mainly discusses the risk control of the pure platform mode operations. In the industry self-discipline and supervision, the author focuses on some detailed problems on the basis of regulatory principles.更多还原